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Duncan Home Insurance

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Easier Home Insurance in Duncan – Protecting Yours Like It Was Ours

Having a home means acquiring the means to ensuring it stays protected for as long as your family needs it. Duncan is a great place to live, and so you’ll want to ensure that your house is safeguarded with the proper Duncan home insurance. After all, it’s more than just “a place.” Your home is a place of memories for you and your family and somewhere to go at the end of the day. As your biggest investment, ensure that your home has the right insurance by working with our Duncan home insurance team here at Megson FitzPatrick. We understand the importance of our homes and want to make sure that you have taken every measure possible to ensure that you’re in a place to bounce back following an unexpected disaster.

Megson FitzPatrick’s Duncan Home Insurance Brokers Get to Know Your Coverage Needs

What’s so great about Megson FitzPatrick? We’re a leading independent home insurance broker in Duncan and surrounding British Columbia that always has your back for when you need someone dependable in your corner. We look after home insurance in Duncan so that residents can rest easy in knowing that their coverage is being handled by some of the best in the business. If you aren’t exactly sure what you need when it comes to your Duncan home insurance, not to worry! Our experts will be with you for every step of the way and will help you make more informed decisions based on what you and your family require. Our Duncan home insurance programs can help you cover the costs of any unexpected disasters which may befall your home and can also come in clutch for when a third-party is hurt on your estate or you damage someone else’s property.

Why does anyone need home insurance anyway? Home insurance in Duncan is essential because it helps to protect your home against any potential threats you may be exposed to, such as natural disasters, crime, vandalism, fire, and more. While home insurance is not required by provincial law it is highly recommended that you carry a base amount of coverage in order to have an adequate safety net. What would happen if your home was unexpectedly damaged or destroyed in an unforeseen loss? Consider how much your home would cost to replace, including all its contents as well as any additional outstanding private structures. When you have the right amount of insurance, you may not need worry. You can save yourself time, money and stress by entrusting Megson FitzPatrick with your Duncan home insurance.

Practicing proper home maintenance and regularly making necessary renovations to your home is a good way to ensure you’re in better standings in case anything happens, but accidents are called accidents for a reason. Things happen. Be prepared for the unexpected by trusting Megson FitzPatrick with your Duncan home insurance. We look after the insurance so you can have peace of mind. Your average policy for home insurance in Duncan may cover:

  • Specialized coverage for if you have any specific risks or exposures
  • Property coverage to protect your contents and physical building from common exposures, like fire, storm, or hail
  • Liability insurance to protect you from any legal expenses such as third-party bodily injury or property damage

Even if you do what you can to look after your home and take precautions, things happen. Be prepared for the unexpected with Megson FitzPatrick’s home insurance broekrs in Duncan. Our experts will secure you with coverage that matches your needs.

How Duncan Home Insurance Costs Are Calculated:

Home insurance in Duncan doesn’t have to be overcomplicated. When you have an expert broker in your corner, you have a great resource for helping you better understand the ins and outs of your coverage. Megson FitzPatrick’s expert team will sit down with you in order to personally assess your requirements and help you understand what factors impact your Duncan home insurance costs. Here are a few of the factors that are taken into consideration when your insurance provider is determining your rates:

  • The costs of repairs and replacements. If an accident happened and your home was destroyed, what would it take to rebuild? The costs might be tremendous. Consider how much your home’s contents are worth, any detached private structures, market value, temporary living expenses, and other additional costs. .
  • How many years it has been since your home was built. Older homes tend to have older systems; as a result, they are more likely to incur damages. If your systems are more recently updated, your rates may reflect this.
  • What coverage options you choose. The more coverage you purchase, the more you will have to pay come renewal time. It is important that you are conscious of what you need when it comes to your insurance and what might be overkill.
  • Where you live. If your area suffers from high crime rates or experiences a high rate of natural disasters, your rates may be higher.

Discuss with a Duncan home insurance broker about what variables impact the cost of your coverage. An expert will also be able to provide you with some insightful tips for more ways you can save on your insurance.

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Get a Free Duncan Home Insurance Quote from Megson FitzPatrick

Home insurance in Duncan is purchased as a means to protect both you and your family from any financial damages resulting from named perils that you may be exposed to. You can get a free Duncan home insurance quote from Megson FitzPatrick today to see how affordable it can be! That being said, your general policy may not include everything you require in order to be sufficiently insured.

Here is a list of a few of the most common Duncan home insurance endorsements that might be worth your consideration:

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Sewer Backup

Your typical Duncan home insurance policy may include expenses resulting from basic water damage. However, this coverage is limited and may not include damages resulting from damaged sewer lines, septic system seepage, and clogged drains. In order to ensure full coverage potential, you may want to consider purchasing a sewer backup insurance endorsement. This can be added to an existing policy to help bolster your coverage.

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Home-Based Business

Do you work from home or operate your own small business from your personal office? If so, you may need to contact your broker and discuss the extent of your commercial operations in case you need to purchase a home-based business insurance endorsement. This is due to the fact that if anything should happen in your home related to your work, your Duncan home insurance policy may not cover you for the damages or liability expenses. Many professionals who operate from home opt to purchase a commercial endorsement (or separate commercial policy entirely) in order to have their business practices covered against any potential exposures.

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Your typical home insurance policy will not include damage that is caused by earthquakes. For many provinces within Canada, that is not an issue – but for residents of British Columbia, it may be something worth looking into. Be mindful of the fact that coverage from an earthquake insurance endorsement varies from insurance provider to insurance provider so always be sure to discuss with your Duncan home insurance broker before you plan to make any drastic decisions regarding your existing coverage.

Frequently Asked Questions – Duncan Home Insurance

You have questions – and Megson FitzPatrick’s home insurance brokers in Duncan have answers. See below for a sampling of some of our most frequently asked questions about Duncan home insurance.

I just purchased an engagement ring. Will my Duncan home insurance cover that?

Yes – as long as you have a jewellery rider. This is a home insurance endorsement in Duncan you may add for an added cost. Valuables with a price tag of $2,000 or higher may not be covered by a standard policy.

What are some common exclusions for my Duncan home insurance?

Common exclusions for home insurance in Duncan may be comprised of claims due to wear and tear, lack of maintenance, acts of war, etc. It depends on the provider and policy.

If I go on vacation, am I still insured?

It depends on how long. Vacancy is typically cause for denying claims or even voiding a Duncan home insurance policy depending on if it was not disclosed or for a long time. Hire a house sitter if you plan to go away on vacation.

Are my boats covered by my Duncan home insurance?

Motorized water vehicles require a separate Duncan home insurance endorsement in order to be insured. Luckily, this endorsement is relatively inexpensive to add.

As always, if you are not sure what coverage options you may require, discuss with a Duncan home insurance broker. Our team are willing to share their expertise with you in order to help you make a more informed decision about what coverage you require. And when it comes to navigating a claim, you won’t be alone. Megson FitzPatrick has a dedicated claims division with full-time professionals to guide you through the process.


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